Health insurance premiums Zurich 2027
In the canton of Zurich, basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 619.43 per month, +4.8% compared with 2026. This is the average of all 27 insurers (unweighted). The cheapest premium is CHF 456.80 (“Telemedicine and others” model, SLKK). The canton has 3 premium regions.
Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate
Premiums in the canton of Zurich 2027 in figures
- Average standard model
- Unweighted average of the monthly premiums of all insurers in the standard model (free choice of physicians), adults aged 26 and over, CHF 300 deductible, with accident cover; for each insurer, its cheapest standard tariff. Not an FOPH average (the FOPH weights by number of insured people).
- Change from previous year
- Change in the standard model average compared with the previous year, in per cent (same definition in both years).
- Cheapest premium
- Lowest monthly premium of all insurers across all models (standard, GP/HMO, telemedicine and others), adults aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities.
- Young adults and children
- Calculated in the same way as the standard model average: young adults aged 19 to 25, CHF 300 deductible, with accident cover; children up to 18, CHF 0 deductible, with accident cover. The average of all insurers is unweighted and is not an FOPH “average premium”.
Source: FOPH, health insurance premiums 2027, opendata.swiss, retrieved on 15.10.2026; our own calculation.
3 regions, different premiums
- Region 1: Ø CHF 676.88
- Region 2: Ø CHF 609.69
- Region 3: Ø CHF 571.73
Insurers may vary their premiums by premium region. The FDHA decides which municipality belongs to which region. Each region has its own page listing all municipalities.
| Region | Ø standard model | Difference from the cheapest region | Cheapest premium | Municipalities |
|---|---|---|---|---|
| Region 1 | CHF 676.88 | +CHF 105.15 | CHF 535.10 | 1 |
| Region 2 | CHF 609.69 | +CHF 37.96 | CHF 493.00 | 37 |
| Region 3 | CHF 571.73 | cheapest | CHF 456.80 | 122 |
Cheapest offers by model and age group
Lowest monthly premium in the canton of Zurich in 2027 by model type, with accident cover. Children: up to 18, CHF 0 deductible, with accident cover; young adults: aged 19 to 25, CHF 300 deductible, with accident cover; adults: aged 26 and over, CHF 300 deductible, with accident cover. The “Region” column shows the premium region where the offer applies. Alternative models are sometimes only available in certain municipalities; the premium calculator shows whether an offer applies where you live. Models: Standard (free choice of physicians), GP/HMO (GP practice or HMO first), Flex (several first points of contact to choose from), Telemedicine and others (advice by phone or online first (FOPH: “other models”)).
| Age group | Model | Cheapest premium | Insurer | Region | Ø of all insurers |
|---|---|---|---|---|---|
| Children | Standard | CHF 115.70 | Krankenkasse WädenswilTariff BASE | Region 3 | CHF 150.42 |
| GP/HMO | CHF 103.40 | ÖKKTariff ÖKK CASAMED HMO | Region 3 | CHF 134.89 | |
| Flex | CHF 107.50 | ÖKKTariff ÖKK CASAMED SELECT | Region 3 | CHF 143.12 | |
| Telemedicine and others | CHF 100.80 | AgrisanoTariff AGRIsmart | Region 3 | CHF 136.65 | |
| Young adults | Standard | CHF 354.55 | SanitasTariff BASE | Region 3 | CHF 466.33 |
| GP/HMO | CHF 340.35 | SanitasTariff GP model 1 | Region 3 | CHF 413.63 | |
| Flex | CHF 335.90 | AssuraTariff QualiMed | Region 3 | CHF 424.90 | |
| Telemedicine and others | CHF 332.10 | AssuraTariff MediTel | Region 3 | CHF 412.80 | |
| Adults | Standard | CHF 508.10 | Krankenkasse WädenswilTariff BASE | Region 3 | CHF 619.43 |
| GP/HMO | CHF 467.20 | SLKKTariff HomeCare | Region 3 | CHF 545.73 | |
| Flex | CHF 473.00 | AssuraTariff QualiMed | Region 3 | CHF 559.06 | |
| Telemedicine and others | CHF 456.80 | SLKKTariff SmartMed | Region 3 | CHF 547.13 |
Source: FOPH, health insurance premiums 2027, opendata.swiss. Sorted by premium, never by remuneration.
Development since 2011
From 2011 to 2027 the standard model average in the canton of Zurich rose by 73.9%, from CHF 356.19 to CHF 619.43 per month (+263.24 CHF). Across Switzerland the change was +77.1%. Reference: adults aged 26 and over, CHF 300 deductible, with accident cover.
Show as table
| Year | Zurich | Switzerland | Change Zurich |
|---|---|---|---|
| 2011 | CHF 356.19 | CHF 342.47 | – |
| 2012 | CHF 377.09 | CHF 361.85 | +5.9 % |
| 2013 | CHF 385.59 | CHF 370.76 | +2.3 % |
| 2014 | CHF 395.19 | CHF 381.38 | +2.5 % |
| 2015 | CHF 413.26 | CHF 398.72 | +4.6 % |
| 2016 | CHF 430.52 | CHF 415.71 | +4.2 % |
| 2017 | CHF 452.63 | CHF 438.67 | +5.1 % |
| 2018 | CHF 469.74 | CHF 456.18 | +3.8 % |
| 2019 | CHF 485.07 | CHF 470.78 | +3.3 % |
| 2020 | CHF 486.50 | CHF 476.43 | +0.3 % |
| 2021 | CHF 486.95 | CHF 480.47 | +0.1 % |
| 2022 | CHF 485.20 | CHF 480.30 | −0.4 % |
| 2023 | CHF 509.15 | CHF 501.47 | +4.9 % |
| 2024 | CHF 543.51 | CHF 537.46 | +6.7 % |
| 2025 | CHF 569.74 | CHF 565.47 | +4.8 % |
| 2026 | CHF 591.21 | CHF 583.29 | +3.8 % |
| 2027 | CHF 619.43 | CHF 606.62 | +4.8 % |
Our own calculation, unweighted (not based on the number of insured people), from FOPH, health insurance premiums 2011–2027, opendata.swiss. Not an FOPH “average premium” (which is weighted). Methodology: How we calculate.
Saving in the canton of Zurich
These deadlines count now
- 330 days leftSupplementary insurance (Insurance Contract Act)
Often the notice deadline for supplementary insurance for the end of the year, but only if the general terms and conditions of your product say so. Check your policy.
Source: Insurance Contract Act; general terms and conditions of the product
- 26 days leftBasic health insurance at the end of the year
Notice of cancellation of basic health insurance must reach the insurer by 30.11.; the postmark does not count. Applies to all deductibles and models; the switch takes effect on 01.01.
Source: Art. 7 para. 2 KVG
- 147 days leftBasic health insurance for 30.06.
Only with the standard deductible (CHF 300, children CHF 0) in the standard model: notice must reach the insurer by 31.03., the switch takes effect on 01.07. With an optional deductible or an alternative model, you can only switch at the end of the year.
Source: Art. 7 para. 1 KVG; Art. 94 para. 2 and Art. 100 para. 3 KVV
Frequently asked questions
How high are health insurance premiums in the canton of Zurich in 2027?
In the canton of Zurich, basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 619.43 per month, +4.8% compared with 2026. This is the average of all 27 insurers (unweighted). The cheapest premium is CHF 456.80 (“Telemedicine and others” model, SLKK). The canton has 3 premium regions. In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 466.33 and children (up to 18, CHF 0 deductible, with accident cover) CHF 150.42 per month on average.
Which health insurer is cheapest in the canton of Zurich?
Across all models, SLKK is cheapest at CHF 456.80 per month (“Telemedicine and others” model, Region 3; adults aged 26 and over, CHF 300 deductible, with accident cover). In the standard model with free choice of physicians, Krankenkasse Wädenswil is cheapest at CHF 508.10. Which insurer is cheapest for you depends on your municipality, age, deductible and model; the premium calculator shows you.
How many premium regions does the canton of Zurich have?
The canton of Zurich is divided into 3 premium regions. In the standard model adults pay on average: Region 1 CHF 676.88 (1 municipality), Region 2 CHF 609.69 (37 municipalities), Region 3 CHF 571.73 (122 municipalities). The difference between the most expensive and the cheapest region is CHF 105.15 per month (18.4%). The regions are set by the FDHA in the Ordinance on Premium Regions (SR 832.106).
How have premiums in the canton of Zurich developed since 2011?
From 2011 to 2027 the standard model average (adults aged 26 and over, CHF 300 deductible, with accident cover) rose by 73.9% or CHF 263.24 per month, from CHF 356.19 to CHF 619.43. Across Switzerland the change was +77.1%. Our own calculation from FOPH premium data, unweighted.
Are there premium subsidies in the canton of Zurich?
Yes. The cantons reduce the premiums of insured people of modest means (Art. 65 KVG). Who is eligible, how much is paid and the deadline for applying are set by the canton of Zurich itself. The cantonal office responsible for premium subsidies can give you information.
How do I switch health insurer in the canton of Zurich?
Cancel your basic health insurance in writing with your insurer: your notice must arrive by 30.11.2026; the postmark does not count. The switch takes effect on 01.01.2027. Every insurer must accept you for basic health insurance, regardless of age and health (Art. 4 para. 2 KVG). Supplementary insurance has its own deadlines under the general terms and conditions.
Sources
- FOPH, health insurance premiums 2011–2027 (opendata.swiss), retrieved on 15.10.2026opendata.swiss
- FOPH, priminfo.admin.ch, premium regions 2027, as at 15.10.2026priminfo.admin.ch
- swisstopo, swissBOUNDARIES3D (edition 2026-01) (© swisstopo)swisstopo.admin.ch
- FDHA Ordinance on Premium RegionsSR 832.106fedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 4Art. 4 para. 2 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 7Art. 7 para. 2 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 65Art. 65 para. 1 KVGfedlex.admin.ch